The Accidental Smallholder Forum
Community => Introduce yourself => Topic started by: rockstar on January 30, 2012, 08:11:55 pm
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hi to you all from snowy powys.i need some advice on liability insurance to cover 1.5 acres of land i purchased next to my house.theres no buildings on it ,and no machinery .all i want to do is keep afew sheep chickens and pigs will my house insurance cover this ?
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:wave: I know nothing about insurance but wanted to say hi and welcome from frosty Shropshire.
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If it's to insure the animals, probably not. Don't the N.F.U. have an insurance company. Good luck with your venture :wave:
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Hello rockstar. As Sylvia says, the NFU have a good insurance arm (we use them now) so give them a call and ask.
There are a few branches in Powys - http://www.nfumutual.co.uk/local-branch-search-results.htm?postcode=powys (http://www.nfumutual.co.uk/local-branch-search-results.htm?postcode=powys)
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Welcome and hope the snow is not too bad there. I don't have any insurance - shame as I would like to have claimed for the ducks the fox took last week.
Hope that all goes well for you with the sheep and pigs.
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Hello and welcome from cold and grey Carnoustie :wave:
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thanks for the welcome looks like i need nfu
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If they are not helpful/too expensive then on the farming forums F&M (Farmers and Mercantile) have been used as an alternative a lot recently. Might be worth a look (I dont work for them or have a policy with them so not touting!). Dont know if they would do standalone liability on bare land.
http://www.fandmgroup.co.uk/ (http://www.fandmgroup.co.uk/)
NFU feedback recently that I have read is that they have in some cases only wanted to do liability on land/farm stuff if they also did the house. but then werent competitive at all on the house premium. But some others seem to have standalone farm stuff and not have had any issues.
So both worth trying to compare
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thanks ::)
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Don't know about the insurance but hello from Forfar :wave:
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I'm a bit worried now. I didn't realise that you needed liability insurance for land and livestock unless it was to be used by the public. What are the risks of not having insurance?
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Totally different situation as we have a separate building plot that's lying empty and I pay to insure it annually. If someone is injured on the land potentially they could sue me.
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hi possum, i think to have public liability is peace of mind. my 1.75 acres has no buildings or machinery but the field is next to main road, insurance covers animals getting out onto road, moving animals on road and maybe one of my animals harming my childs friends
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Hello! We wish you good luck and a big welcome from Northants! (http://www.accidentalsmallholder.net/forum/Smileys/default/wave2.gif) (http://www.accidentalsmallholder.net/forum/Smileys/default/wave2.gif)
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Thanks Rockstar.
I hadn't thought about having to compensate someone if the animals escape. It certainly sounds sensible to take out the insurance. I'll be ringing the NFU ASAP!
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Hello Possum. I feel like Dame Edna Everage saying that ;D Where in Powys are you? I am just over the border not far from Newtown. Welcome to the site.
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Hello and welcome Possum. In Staffordshire it is a £2000 fine for allowing livestock to escape onto a Public Highway. We were told that by the Police when we caught someone's Suffolk Ram on the A38. Someone trespassing and leaving the gate open is the usual excuse but doesn't wash with the local magistrates, they expect gates by the highway to be padlocked. So worth making sure your insurance covers that.
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brijjy ,we are in llyswen 10 miles south of builth :thumbsup:
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Thanks Chris,
I'm learning fast on these liability issues. Have just added a padlock to my shopping list.